British motorists regularly leave an astonishing

By now you’ve probably seen the unbearable adverts on television and had their catchy jingles stuck in your head all day but car insurers that cater specifically for women have become increasingly popular with the fairer sex. Obviously there are the lower priced policies for them as they are rumoured to be “safer drivers” but in recent months it’s been revealed that these niche insurers have much broader appeal than cheaper car insurance.

Most car insurance policies for women now don’t just cover the car itself, but the contents too. Many insurers offer handbag cover so if you’ve left your handbag on the passenger seat whilst paying for petrol and it gets pinched then you will be covered for the contents.

Many of these policies will offer around

Best answer:

Answer by Lefty
No..they are better drivers for the 18-25 year old demographic

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The vehicle you have or will purchase is one of your largest purchases you will ever make, next to buying a house.

You never really thought of it as that big of an investment did you, but the fact is that it really is and therefore you need to consider your insurance options seriously? Statistics prove that an average homeowner will switch homes two to three times throughout a lifetime, while an average car owner will switch at least ten times, making your car and its insurance extraordinarily important.

The law requires that every car on the road is insured. Basic insurance or compulsory insurance only covers any other cars for damage and repairs in an accident that is defined as your fault. If your car is also damaged, the costs will come out of your own pocket.

Most people who have owned a car at one time or another are well aware of the minor details surrounding car insurance, which doesn’t hold true for first time car owners.

Buying a car for the first time is a big step in a man or woman’s life. However owning a car also comes with some degree of risk and more expenses, and it is therefore better to be safe than sorry when it comes to making the right choices about car insurance.

If you do not have comprehensive insurance when an accident occurs, you’re left with two options. Fix the damages if applicable, buy a new car, or go without one.

However, if you have the common sense to take out comprehensive coverage, your vehicle is protected under several forms of damage and even theft.

Insurance premiums are calculated on an annual basis, and should run at around 6% of the replacement value of your car.

Insurance premiums are calculated on an annual basis, and should run at around 6% of the replacement value of your car. A lot of people will gladly cover that amount to insure much stronger protection from the insurance company.

Comprehensive car insurance will cover anything from accidents where you are at fault, to accidents where no one but yourself was involved, or cases of theft. It’s very important to cover yourself from damages incurred via theft.

Not taking out comprehensive insurance is a disaster waiting to happen. If you really have any wits, you will understand the small annual insurance premium is well worth the expense.

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NRMA Insurance is urging Queensland drivers to take extra care after claims research showed more than one in five collisions happened when reversing*.

The Queensland car insurance provider also found men were more confident when it came to reverse parking but women actually had fewer reversing collisions.

A survey of 500 Queensland drivers found nearly 60 per cent of men were very confident when it came to reverse parking, compared to less than a quarter of women**. However, NRMA Insurance claims data showed female drivers had fewer collisions when backing into a parking space.

NRMA Insurance Corporate Affairs Manager Sue Hawkins said all Queensland drivers needed to take care when reversing.

?Pause, check your rear-view mirror and look over their shoulder as a final step before reversing to avoid any unnecessary collisions,? she said.

?We?re also pleased to see more cars with reversing cameras and sensors which can help us check blind spots and judge distance better.?

The insurer estimated there were about 120 reversing mishaps a day in Queensland^, and around 13 per cent of those involved reverse parking.

NRMA Insurance offers the following tips to drivers when reversing:

Be alert at all times and watch out for other cars;
Go slow and don’t just rely on your mirrors – look over your shoulder as well;
Car technology, such as cameras and sensors, can help when reversing but drivers still need to be aware of what is around them;
Treat your driveway like a road, checking thoroughly for pedestrians and cars.

Based on NRMA Insurance motor comprehensive claims data sourced in February 2010 for the period of January to December 2009.
** Pure Profile Research, February 2010.

^ Figure extrapolated from NRMA Insurance reversing claims data and market share.

NRMA Insurance QLD is a leading insurance provider, offering car insurance quotes, home insurance, motorcycle insurance, travel insurance, business insurance, boat insurance, health insurance and caravan insurance in Queensland.

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When you are thinking of buying a new car, you no longer are able to just calculate your monthly car payments. At the same time you need to consider maintenance costs, fuel costs, and the cost of car insurance. The first two categories can be easily calculated, but how much car insurance cost? Unfortunately there is no one answer to that question.

Car insurance costs hinge on a number of variables. Perhaps the greatest variable as well as the one that is most often overlooked is your personal set of demographics. For better or worse, insurance companies base most of their monthly payment rates on statistics. What statistical categories you fall into effect just how high your payments will be.

For starters, they look at if you are a man or a woman. On average, women get into fewer accidents than men. Therefore, a woman’s insurance rate is automatically dropped. Your age also determines how much you have to pay out each month. The safest drivers are between the ages of 50 and 65; they pay the least. The most reckless drivers, judging by their high incidence of accidents, are drivers aged 16 to 25.

High school and college-aged youths pay the most for car insurance. At the same time, if you are in school and if you get good grades, your insurance will be lowered. Many companies ask for a photocopy of your report card and if your GPA is over 3. 0 you will get a discount.

Your location also effects how much your car insurance will cost. If you live in an urban area your rates are higher. There are more chances your car will be hit, damaged, or become a victim of theft. Rural drivers pay less. However, if the same rural drivers put a lot of miles on their car, either through a commute or just getting around their land, they will have to pay more again.

Statistically, the more you drive your car, the more chances you have of getting in an accident. The type of car you drive will also affect your payments. More expensive cars are more expensive to fix and therefore require more insurance payments to cover the cost.

Finally, insurance companies will look at your personal driving record and your personal credit score. If both of these areas show you to be a responsible person who is unlikely to get into an accident, your payments will decrease. So how much does car insurance cost? As you can see, there is no easy answer.

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In modern days, women are as busy as men are. Needless to say, they have to make extensive uses of their cars. But when it comes to car insurance, women are faced with a bit different situations compared to men. This article tells you how a woman can save on her auto insurance. Enjoy!

1. When you talk to the insurance agent, try to know what the payment options are. And do try to know what kind of policy would suit your car and your driving habits. Some companies are out there who will allow both full and bi-annual imbursements on your insurance premiums. You will also find companies offering monthly payments options.

2. Get an online quote

A recent study by the ABI (Association of British Insurers) found that on an average, the cost of a typical insurance claim that a woman (aging 30 – 50 years) makes is around

In a straight comparison of like for like drivers, the fairer sex can expect anything up to £300 less on their car insurance which is almost beyond compare. Women’s car insurance benefits from specialist insurers which only deal with women drivers. The niche market is growing however, as insurers base their rates on pure statistical risk, and with women the fact is the risk is much less than with their male counterparts.

When insurers are weighing up how to price their car insurance, the factors they take into account will adjust the variable price. These factors include, the make of car, the age of car, the specification of the vehicle, the age of the driver, the geographic location but perhaps most importantly the sex if the driver.

Of all the variables, gender is one of the most important which determines the overall price when you compare women’s car insurance with men’s. Of course it isn’t a coincidence that women also tend to choose more modest cars with a smaller engine size and lower spec.

The cars which do not emphasise high performance tend to be ones which have more plentiful and cheap replacement parts, have cheaper labour costs to repair, and are easier to fix bodywork on. Taking these factors into account would make any car insurance cheaper, not just for females.

However, statistics show that when comparing the sexes, men tend to break the law a lot more often in their cars than women do. Approximately 90 per cent of all driving bans and convictions in Britain are attributable to male drivers, which speaks volumes to car insurers who are looking for careful drivers.

Although women have fewer convictions than men, the number of insurance claims that they make is roughly the same as men. What is interesting is that on average, when you compare women’s car insurance claims with men’s insurance claims, there is a huge discrepancy in cost.

Even when women do have accidents and make a claim on their car insurance, their costs are statistically much lower than when men claim. This is not only to do with the difference in cars that are driven, but also linked to the severity of the damage when men and women drive.

As a generalisation, women drive slower, safer and with more concentration than men, which is why they have fewer convictions but also why when they do have accidents the cost of repair is much less on average.

Nearly all women may be to some extent have been goaded by the off-putting nuance. And the majority of people have doubtless heard that idiom from a chap in everyone’s lives, whether an absolute stranger, a collaborator, a companion, or a family member. However, are you aware of the fact that men’s auto insurance be in general costlier than women’s auto insurance?

At the same time as it may possibly bigot as it is actually not and it is true. Not any of the reasons consists of the thought that women drivers can not drive, and here be a superfluity of statistical data so as to lean in the direction of cause car insurance companies on the way to tender lower tariff to women drivers rather to men drivers.

Auto insurance companies have been researching over the facts more than a number of years, moreover the conclusion hold the thought that, men drivers are drawn in as many accidents as compared to women drivers, in addition to that the glide vehicle-related accidents in which women drivers are drawn in often do not grounds damage to a large extent as glide vehicle-related accidents men drivers are drawn in.

Women drivers do not commit as several glide vehicle-related crimes as well and whereas men drivers commits. Moreover Women drivers are likely to pass their driving licensing exams on the first attempt as compared to men drivers For the reason that, of these statistics, auto insurance companies be more pertinent in the direction of offering cheaper auto insurance to women drivers rather than they be toward men drivers. The women are being offered cheaper car insurance rates not because they are women but for the cause that, the statistics shows that car insurance companies that lower rates to women is not a hazardous bet for them.

This is not to declare that women are superior drivers than men, or is not with the intention of any woman driver be going a safe driver as compared to her male analogous; rather it is to declare the fact on the whole, women in general are safer drivers as compared to men, therefore it results as an incentive as car insurance companies offers cheaper rates to women. Even though women hold you up at traffic lights or take few minutes at Reserve Park than also they are provided with lower rates.

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Insurance is very, very expensive for a certain group of drivers. Unfortunately, statistics prove that newly qualified young men are a particularly poor insurance risk. A risk that rises significantly between the hours of 11pm and 6am.

Naturally all parents want to help their children to gain a degree of independence and the vast majority of 17 year olds are keen to learn to drive. Several years of running their offspring around and keeping their social diaries, as well as your own, may now be coming to an end and many parents take the decision to help with the insurance costs. The parents of girls come out a little better off, financially, but for those with sons – read on.

It seems that young males are an amazing 62 times more likely have convictions for dangerous driving than young women. Out of over 7000 convictions for dangerous driving or causing death or bodily harm, 33% were attributable to young men aged between 17 and 20.

The worst time for these offences and for accidents is during the night-time. Between 11pm and 6am, the chances of young male drivers being involved in an accident which causes serious injury or death increases ten-fold. Having had their driving lessons during the day time, night-time driving is new these youngsters. The quiet, open roads tempt them into driving far too fast and losing control of the car. Often the presence of passengers in the car add to the pressure to show their driving prowess and a high proportion of these accidents are single vehicle ones, where no other driver is involved. They are simply down to lack of experience.

The insurers MoreThan are getting the message out to parents regarding these facts and will cross-sell their new DriveTime policy to parents who contact their call-centre staff. By persuading youngsters to leave the car at home during the most accident-likely hours, they aim to cut both the costs of insurance and the risk of horrendous accidents. MoreThan aims to reduce the premiums of drivers aged 18 to 25 by 40% in return for an agreement not to drive in the critical hours. The basic cost of insurance will be priced in the usual way, based on age, experience, type of vehicle, etc., around 60% of this “normal” charge will form the basis of the insurance quote. Often this will be paid for by parents. What then happens is that, if the car is used between 11pm and 6am, there will be a charge of